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General Details
Institution: American Express
 Contact Number: 1300 132 639
Product Name: American Express Gold Credit Card
 Apply: n/a

Product Details
Card Type: American Express
 Status Level: Gold
Account Type: Credit
 Interest Rate: 15.74%
Intro Rate: -
Intro Term: -
Concession Rate: -
Balance Transfer:
Free Days: 55
 Min Repayment: 3% of total outstanding balance or $25

Fees
Annual Card Fee: $70.00
 Annual Rewards Fee: $33 p.a. (Choices) $59 p.a. (Ascent)
Late Payment Fee: $30.00
 Duplicate Statement Fee: $10.00
Trans Verification Fee: $7.00
 Reinstatement Fee: -
Over Limit Fee: $30.00
 Over Limit Fee Charged When Over: N/A
OS ATM Fee Balance: -
OS ATM Fee Withdrawal: $1.25
OS Emergency Card Fee: -
Interest Charged From: Purchase Date
Annual Fee Waiver: Yes, if $9500 is spent.


Features
Overseas ATM Availability: Visa Plus, Cirrus, Maestro, Other
 Interest Paid On Credit Balance:
Purchase Insurance:
Auto Travel Insurance:
Loan Application Fee Discount:
Comments: The fee is FREE for the first year. And in each subsequent year, if you spend over $9,500 p.a. the fee will be waived

Rewards
Rewards Program Avail:
Program Name: Membership Rewards Ascent or Choices
Program Partners: Refer to domestic & international airlines. Voucher partners include: David Jones, MYER, Harvey Norman, Country Road, and HMV. Accommodation partners include: Crowne Plaza, Inter-Continental, Parkroyal, Holiday Inn Hotels & Resorts, Radisson Hotels & Resorts, Novotel, Mercure and All Seasons Hotels, Sheraton Hotels & Resorts, Marriott Hotels & Resorts, Flag Choice and Best Western Hotels. Travel Vouchers with Travelscene American Express Travel Services. Car rentals with Hertz or Avis, plus an extensive range of products, from Trek bikes to JVC DVD players.
 Points per Dollar: 1.00
Bonus Points Avail:
Bonus Point Partners: Bonus Partners: As at 1 October 2004: Avis, Radisson Hotels & Resorts, Bob Jane T-Marts, Spinner’s Building Services, Entertainment Advantage, Red Balloon Days, Premium Wines Direct, Babyco, Telstra FetchMeMovies, L’Occitane, Raymond Weil, Prouds Jewellers, Roses Only.
Number of Bonus Points: -
Lifetime of Points (mths): -
Conditions: Points don’t expire as long as Card account is current.


Frequent Flyers
Conversion to Frequent Flyers:
Rewards to Frequent Flyer Ratio: 1:1 Qantas. 2:1 Malaysian Airlines, Thai Airways International., Singapore Airlines and Asia Miles.
Domestic Airlines: Virgin Blue and Qantas Frequent Flyer (Qantas Available to Ascent only)
International Airlines: Available to Ascent are the following airlines: Qantas, Malaysia Airlines, Cathay Pacific, Singapore Airlines and Thai Airways International.